BlastPoint's Credit Union Scorecard
AMERICAN SPIRIT
Charter #15426 · DE
AMERICAN SPIRIT has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Members: Top 0.6% in tier
- + Members Per Employee (MPE): Top 4.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.77% below tier average
- - Efficiency ratio 15.93% above tier (higher cost structure)
- - Delinquency rate 4.32% above tier average
- - Total Delinquency Rate (60+ days): Bottom 4.7% in tier
- - Loan Growth Rate: Bottom 5.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (DE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,122
+0.2% YoY+0.0% QoQ
|
+9.4K |
2,676
+1.6% YoY
|
16,940
+7.4% YoY
|
33,913
+5.7% YoY
|
Top 0.6% in tier |
| Assets |
$69.5M
-3.1% YoY-1.7% QoQ
|
+$39.3M |
$30.2M
+1.3% YoY
|
$214.1M
+16.8% YoY
|
$578.3M
+9.0% YoY
|
Top 12.5% in tier |
| Loans |
$20.9M
-21.0% YoY-9.8% QoQ
|
+$5.6M |
$15.3M
-2.0% YoY
|
$130.7M
+18.0% YoY
|
$402.4M
+8.7% YoY
|
72% |
| Deposits |
$60.8M
+1.0% YoY-1.6% QoQ
|
+$35.0M |
$25.8M
+0.7% YoY
|
$190.3M
+16.8% YoY
|
$494.3M
+9.1% YoY
|
Top 11.9% in tier |
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| ROA |
-0.6%
-195.1% YoY-248.9% QoQ
|
-0.8% |
0.1%
-77.6% YoY
|
1.6%
+9.6% YoY
|
0.4%
-39.2% YoY
|
Bottom 11.7% in tier |
| NIM |
2.9%
+11.8% YoY-2.0% QoQ
|
-1.1% |
4.0%
+4.0% YoY
|
3.5%
+6.1% YoY
|
3.8%
+4.1% YoY
|
16% |
| Efficiency Ratio |
106.6%
+28.1% YoY+28.6% QoQ
|
+15.9% |
90.6%
+6.5% YoY
|
78.7%
-23.9% YoY
|
84.6%
+2.8% YoY
|
Bottom 11.5% in tier |
| Delinquency Rate |
5.8%
+50.5% YoY+45.0% QoQ
|
+4.3 |
1.5%
+3.8% YoY
|
2.3%
+13.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 4.7% in tier |
| Loan To Share |
34.4%
-21.8% YoY-8.4% QoQ
|
-24.1% |
58.5%
-3.0% YoY
|
46.7%
+1.2% YoY
|
65.6%
-1.4% YoY
|
16% |
| AMR |
$6,735
-5.9% YoY-3.9% QoQ
|
$-8K |
$14,884
-1.7% YoY
|
$14,274
+3.2% YoY
|
$19,920
+1.6% YoY
|
Bottom 14.0% in tier |
| CD Concentration |
2.7%
-7.0% YoY-0.4% QoQ
|
-21.6% | 24.3% | 13.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.4% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)